You have no idea how familiar this sounds, I kept trying to harden myself and be tough only to give in and fall back. Its a backward step yes, but each time you will get harder. My son was the same finances a mess, debts, he wouldn’t deal with anything so if I didn’t do it it was left, and yes turned into a bigger mess. This time I have left him, he has lost his job, wouldn’t sign on, I left it, he has now signed on. wouldn’t pay his direct debits, usually I bail him out, now I don’t, his insurance on his car is being cancelled and his car repossessed. You may find he actually can do it just as my son can but he has good old mum to do it for him so why should he. Yes I worry as well, but I worry more when he is under my roof and I can see all the comings and goings. No one can make you strong enough to do this, but believe me eventually when you get weary enough you will find the strength. Trust me I never ever thought my son could do anything that would make me push him away but for my own sanity I have had to do it. It is hard believe me I know but what are your options? xx